Loans that change lives

6 09 2008

Today I joined and contributed to Kiva. I think this is an amazing initiative and I really want to share it with you:

What is this Kiva, and what do they do?

Well, in simple terms, Kiva facilitates small loans (microcredit) to small struggling or new businesses in developing countries. It’s a way you can lend money to assist the development of a business, with a view to assisting in economic independence.

For better information on what Kiva do, check out the About page on their website.

Why did I do this?

One of the things I admire is that entrepreneurial spirit – it is truly something I wish I had myself. I also want to give back to the community where possible (although I concede there’s so much more I can do in this area). Kiva is the perfect blend of these two personality traits – it helps someone in a developing nation achieve self reliance and independence, two factors that I strongly believe are important for every person to have in their life.

Loan? Why not donate?

But I do! However, one of the benefits of loaning through Kiva is that it gives me the control to target areas or enterprises which match my own set of values. Donating money is important too, but this is another way that you can assist those in need.

So what did you donate to?

You can check out my lender profile at http://www.kiva.org/lender/waynie. I’ve started out small, but hope to assist more and more people over time, as I have the financial capacity to do so.

 

“Elisabeth Okerentia is 45 years old and married with seven children. She lives in Itegbe, Lagos state, Nigeria. Elisabeth has been selling kerosene since 2003. Kerosene is an essential commodity in Nigeria and is in high demand. Elisabeth needs the loan amount of $425 to buy more kerosene to sell. She says thank you.”

 

I encourage everyone who reads this blog to check out http://kiva.org/ to read more about this wonderful initiative, and if you have the ability, contribute to the development and independence of people in developing nations, and help to break poverty.


Kiva - loans that change lives





The cost of being green

12 06 2008

This afternoon I thought I’d check out the new organic & environmentally conscious store As Nature Intended which opened near my apartment complex a few weeks ago. I went in there with the intention of completing my first ever fully organic and environmentally conscious grocery shop! You see, one of my new years resolutions was to improve the way I treat the environment. One way that we can help the environment is by being a smarter consumer – by ensuring that the choices we make in the store are environmentally conscious.

I have always tried to be a smarter consumer through mainstream shopping channels. It’s really quite simple, just look for locally made products contained in recyclable packaging, fresh fruit and vegetables from local sources, and avoid all manner of junk food! Also while you’re shopping, minimise the purchase of beef related products, and check out the environmental credentials of the products you’re buying if they’re visible on the packaging.

I thought by shopping at As Nature Intended I could up the ante somewhat, and further minimise the impact of my retail actions upon the environment. Unfortunately, what I found is it costs considerably more to be proactively green in this area. Sure, there’s things you can do when shopping that don’t need to cost you any more, but shopping at a specialist niche store really doesn’t appear to be the way to go. I only purchased 10 small items which I was running low on, but found that doing this quite quickly ate away at my food budget. Just how expensive was it? Well, here’s my experience.

The data below shows a comparison of the cost of purchasing organic and/or environmentally friendly products, when compared to equivalent products that I could have purchased at my local woolworths. Ten products were purchased, and below is the comparison of the cost per item of the product from As Nature Intended (displayed in blue), when compared to Woolworths Homeshop online* (displayed in green).

OrganicSummary.5vHOAz4jXXgB.jpg
Click here to view full size

As you can see, the overall total shopping at As Nature Intended is substantially higher than Woolworths. This is just something I can’t afford at the moment, and is going to be a real blocker in shopping at this store in the future.

The following table provides a per-item comparison, just incase anyone wants to dispute my figures, or see what was purchased.

OrganicTable.Joc0EzieUeRW.jpg
Click here to view full size

Unfortunately in this case, my conclusion is that shopping here is just not economically viable for me at this time. I am struggling a little financially (as anyone who reads my personal blog will know), and I just can’t afford a 38% increase in my shopping budget. This doesn’t mean I’m going to give up in trying to be more environmentally conscious, but unfortunately it does mean that I’m not going to be able to be as proactive in this space as I’d like to be.

Do you want some tips on how to help the environment every day? Check out the tips on the following website: https://climatefriendly.com/personal. And please, feel free to comment with your hints and tips on what we can do to help the environment.

* = Woolworths Homeshop prices taken from www.homeshop.com.au as at 12/06/2007, using price for the Canberra area. Delivery costs associated with homeshop were not used in these calculations.

The source document for the above can be found here. Requires Numbers, part of the iWork 08 suite.